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Note 4 - Credit Quality (Tables)

6 Months Ended

Jun. 30, 2017

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		June 30, 2017
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	55,503			$	791			$	2,575			$	-			$	-			$	58,869
Commercial and industrial			84,033				1,496				3,926				-				-				89,455
Multi-family residential			134,364				5,929				935				-				-				141,228
Single family non-owner occupied			130,245				6,832				5,073				-				-				142,150
Non-farm, non-residential			584,473				10,271				8,326				202				-				603,272
Agricultural			5,708				250				128				-				-				6,086
Farmland			25,542				642				2,416				-				-				28,600
Consumer real estate loans
Home equity lines			100,238				781				1,441				-				-				102,460
Single family owner occupied			473,303				4,109				23,170				-				-				500,582
Owner occupied construction			46,240				-				234				400				-				46,874
Consumer and other loans
Consumer loans			72,192				25				172				2				-				72,391
Other			4,296				-				-				-				-				4,296
Total non-covered loans			1,716,137				31,126				48,396				604				-				1,796,263
Covered loans
Commercial loans
Construction, development, and other land			2,418				248				894				-				-				3,560
Commercial and industrial			592				-				11				-				-				603
Single family non-owner occupied			917				-				103				-				-				1,020
Non-farm, non-residential			2,819				490				459				-				-				3,768
Agricultural			24				-				-				-				-				24
Farmland			118				-				258				-				-				376
Consumer real estate loans
Home equity lines			13,265				16,760				793				-				-				30,818
Single family owner occupied			3,730				878				1,068				-				-				5,676
Total covered loans			23,883				18,376				3,586				-				-				45,845
Total loans		$	1,740,020			$	49,502			$	51,982			$	604			$	-			$	1,842,108

		December 31, 2016
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	55,188			$	980			$	780			$	-			$	-			$	56,948
Commercial and industrial			87,581				3,483				1,137				-				3				92,204
Multi-family residential			126,468				6,992				768				-				-				134,228
Single family non-owner occupied			131,934				5,466				5,565				-				-				142,965
Non-farm, non-residential			579,134				10,236				9,102				202				-				598,674
Agricultural			5,839				164				-				-				-				6,003
Farmland			28,887				1,223				1,619				-				-				31,729
Consumer real estate loans
Home equity lines			104,033				871				1,457				-				-				106,361
Single family owner occupied			475,402				4,636				20,381				472				-				500,891
Owner occupied construction			43,833				-				702				-				-				44,535
Consumer and other loans
Consumer loans			77,218				11				216				-				-				77,445
Other			3,971				-				-				-				-				3,971
Total non-covered loans			1,719,488				34,062				41,727				674				3				1,795,954
Covered loans
Commercial loans
Construction, development, and other land			2,768				803				999				-				-				4,570
Commercial and industrial			882				-				13				-				-				895
Multi-family residential			-				-				8				-				-				8
Single family non-owner occupied			796				63				103				-				-				962
Non-farm, non-residential			6,423				537				552				-				-				7,512
Agricultural			25				-				-				-				-				25
Farmland			132				-				265				-				-				397
Consumer real estate loans
Home equity lines			14,283				20,763				771				-				-				35,817
Single family owner occupied			4,601				928				1,200				-				-				6,729
Consumer and other loans
Consumer loans			79				-				-				-				-				79
Total covered loans			29,989				23,094				3,911				-				-				56,994
Total loans		$	1,749,477			$	57,156			$	45,638			$	674			$	3			$	1,852,948

Impaired Financing Receivables [Table Text Block]

		June 30, 2017												December 31, 2016
						Unpaid												Unpaid
		Recorded				Principal				Related				Recorded				Principal				Related
(Amounts in thousands)		Investment				Balance				Allowance				Investment				Balance				Allowance
Impaired loans with no related allowance
Commercial loans
Construction, development, and other land		$	9			$	9			$	-			$	33			$	35			$	-
Commercial and industrial			316				335				-				346				383				-
Multi-family residential			543				639				-				294				369				-
Single family non-owner occupied			3,280				3,475				-				3,084				3,334				-
Non-farm, non-residential			3,308				4,047				-				3,829				4,534				-
Agricultural			128				128				-				-				-				-
Farmland			1,000				1,042				-				1,161				1,188				-
Consumer real estate loans
Home equity lines			1,039				1,113				-				913				968				-
Single family owner occupied			15,970				17,130				-				11,779				12,630				-
Owner occupied construction			234				234				-				573				589				-
Consumer and other loans
Consumer loans			42				44				-				62				103				-
Total impaired loans with no allowance			25,869				28,196				-				22,074				24,133				-
Impaired loans with a related allowance
Commercial loans
Construction, development, and other land			-				-				-				-				-				-
Commercial and industrial			2,324				2,324				185				-				-				-
Single family non-owner occupied			344				344				61				351				351				31
Non-farm, non-residential			865				874				124				-				-				-
Farmland			410				418				50				430				430				18
Consumer real estate loans
Home equity lines			-				-				-				-				-				-
Single family owner occupied			3,855				3,858				667				4,118				4,174				770
Total impaired loans with an allowance			7,798				7,818				1,087				4,899				4,955				819
Total impaired loans (1)		$	33,667			$	36,014			$	1,087			$	26,973			$	29,088			$	819

Schedule of Impaired Financing Receivable, Average Recorded Investment and Interest Income Recognized [Table Text Block]

		Three Months Ended June 30,																Six Months Ended June 30,
		2017								2016								2017								2016
(Amounts in thousands)		Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land		$	-			$	10			$	-			$	571			$	-			$	11			$	-			$	370
Commercial and industrial			1				321				4				1,039				3				325				4				593
Multi-family residential			3				557				-				299				3				457				-				184
Single family non-owner occupied			34				3,308				-				3,588				77				3,317				16				2,803
Non-farm, non-residential			21				3,330				171				9,893				25				3,027				242				10,814
Agricultural			-				128				-				-				-				127				-				-
Farmland			-				1,003				4				208				-				1,005				4				176
Consumer real estate loans
Home equity lines			5				1,052				8				1,450				20				1,047				15				1,398
Single family owner occupied			93				15,943				109				13,063				180				14,074				163				12,067
Owner occupied construction			2				234				2				583				5				233				5				412
Consumer and other loans
Consumer loans			2				43				-				38				2				46				-				36
Total impaired loans with no related allowance			161				25,929				298				30,732				315				23,669				449				28,853
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			-				-				-				-				-				214				-				-
Commercial and industrial			38				2,352				-				-				53				1,332				-				-
Single family non-owner occupied			5				344				6				677				13				344				13				517
Non-farm, non-residential			5				867				82				5,307				15				1,011				170				5,333
Farmland			-				411				-				-				-				205				-				-
Consumer real estate loans
Home equity lines			-				-				-				-				-				209				-				-
Single family owner occupied			33				3,393				29				4,550				68				4,883				67				4,755
Owner occupied construction			-				-				-				-				-				-				-				173
Total impaired loans with a related allowance			81				7,367				117				10,534				149				8,198				250				10,778
Total impaired loans		$	242			$	33,296			$	415			$	41,266			$	464			$	31,867			$	699			$	39,631

Impaired Financing Receivables, Summarized Information [Table Text Block]

		June 30, 2017				December 31, 2016
(Amounts in thousands, except impaired loan pools)
Unpaid principal balance		$	1,048			$	1,086
Recorded investment			1,042				1,085
Allowance for loan losses related to PCI loan pools			4				12
Impaired PCI loan pools			1				1

		Three Months Ended June 30,								Six Months Ended June 30,
		2017				2016				2017				2016
(Amounts in thousands)
Interest income recognized		$	10			$	35			$	20			$	118
Average recorded investment			1,053				2,666				1,064				2,728

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

		June 30, 2017												December 31, 2016
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	131			$	17			$	148			$	72			$	32			$	104
Commercial and industrial			204				-				204				332				13				345
Multi-family residential			543				11				554				294				-				294
Single family non-owner occupied			1,350				21				1,371				1,242				24				1,266
Non-farm, non-residential			3,726				27				3,753				3,295				30				3,325
Agricultural			128				-				128				-				-				-
Farmland			1,410				-				1,410				1,591				-				1,591
Consumer real estate loans
Home equity lines			838				280				1,118				705				400				1,105
Single family owner occupied			11,780				90				11,870				7,924				109				8,033
Owner occupied construction			-				-				-				336				-				336
Consumer and other loans
Consumer loans			36				-				36				63				-				63
Total nonaccrual loans		$	20,146			$	446			$	20,592			$	15,854			$	608			$	16,462

Past Due Financing Receivables [Table Text Block]

		June 30, 2017
		30 - 59 Days				60 - 89 Days				90+ Days				Total				Current				Total
(Amounts in thousands)		Past Due				Past Due				Past Due				Past Due				Loans				Loans
Non-covered loans
Commercial loans
Construction, development, and other land		$	111			$	-			$	-			$	111			$	58,758			$	58,869
Commercial and industrial			215				107				146				468				88,987				89,455
Multi-family residential			200				-				69				269				140,959				141,228
Single family non-owner occupied			1,321				25				743				2,089				140,061				142,150
Non-farm, non-residential			484				179				2,070				2,733				600,539				603,272
Agricultural			-				-				128				128				5,958				6,086
Farmland			142				-				343				485				28,115				28,600
Consumer real estate loans
Home equity lines			128				115				300				543				101,917				102,460
Single family owner occupied			2,582				1,956				5,511				10,049				490,533				500,582
Owner occupied construction			282				-				-				282				46,592				46,874
Consumer and other loans
Consumer loans			367				65				3				435				71,956				72,391
Other			-				-				-				-				4,296				4,296
Total non-covered loans			5,832				2,447				9,313				17,592				1,778,671				1,796,263
Covered loans
Commercial loans
Construction, development, and other land			-				-				17				17				3,543				3,560
Commercial and industrial			-				-				-				-				603				603
Single family non-owner occupied			-				-				-				-				1,020				1,020
Non-farm, non-residential			-				-				-				-				3,768				3,768
Agricultural			-				-				-				-				24				24
Farmland			-				-				-				-				376				376
Consumer real estate loans
Home equity lines			283				124				35				442				30,376				30,818
Single family owner occupied			-				3				68				71				5,605				5,676
Total covered loans			283				127				120				530				45,315				45,845
Total loans		$	6,115			$	2,574			$	9,433			$	18,122			$	1,823,986			$	1,842,108

		December 31, 2016
		30 - 59 Days				60 - 89 Days				90+ Days				Total				Current				Total
(Amounts in thousands)		Past Due				Past Due				Past Due				Past Due				Loans				Loans
Non-covered loans
Commercial loans
Construction, development, and other land		$	33			$	5			$	17			$	55			$	56,893			$	56,948
Commercial and industrial			174				30				149				353				91,851				92,204
Multi-family residential			163				-				281				444				133,784				134,228
Single family non-owner occupied			1,302				159				835				2,296				140,669				142,965
Non-farm, non-residential			1,235				332				2,169				3,736				594,938				598,674
Agricultural			-				5				-				5				5,998				6,003
Farmland			224				343				565				1,132				30,597				31,729
Consumer real estate loans
Home equity lines			78				136				658				872				105,489				106,361
Single family owner occupied			4,777				2,408				3,311				10,496				490,395				500,891
Owner occupied construction			342				336				-				678				43,857				44,535
Consumer and other loans
Consumer loans			371				90				15				476				76,969				77,445
Other			-				-				-				-				3,971				3,971
Total non-covered loans			8,699				3,844				8,000				20,543				1,775,411				1,795,954
Covered loans
Commercial loans
Construction, development, and other land			434				-				32				466				4,104				4,570
Commercial and industrial			-				-				-				-				895				895
Multi-family residential			-				-				-				-				8				8
Single family non-owner occupied			24				-				-				24				938				962
Non-farm, non-residential			32				-				-				32				7,480				7,512
Agricultural			-				-				-				-				25				25
Farmland			-				-				-				-				397				397
Consumer real estate loans
Home equity lines			108				146				62				316				35,501				35,817
Single family owner occupied			58				-				39				97				6,632				6,729
Owner occupied construction			-				-				-				-				-				-
Consumer and other loans
Consumer loans			-				-				-				-				79				79
Total covered loans			656				146				133				935				56,059				56,994
Total loans		$	9,355			$	3,990			$	8,133			$	21,478			$	1,831,470			$	1,852,948

Trouble Debt Restructuring Accrual Status [Table Text Block]

		June 30, 2017												December 31, 2016
(Amounts in thousands)		Nonaccrual (1)				Accruing				Total				Nonaccrual (1)				Accruing				Total
Commercial loans
Single family non-owner occupied		$	35			$	880			$	915			$	38			$	892			$	930
Non-farm, non-residential			-				295				295				-				4,160				4,160
Consumer real estate loans
Home equity lines			-				152				152				-				158				158
Single family owner occupied			1,559				7,023				8,582				905				7,503				8,408
Owner occupied construction			-				235				235				341				239				580
Total TDRs		$	1,594			$	8,585			$	10,179			$	1,284			$	12,952			$	14,236
Allowance for loan losses related to TDRs										$	770											$	670

Interest Income Related to Troubled Debt Restructurings [Table Text Block]

		Three Months Ended June 30,								Six Months Ended June 30,
		2017				2016				2017				2016
(Amounts in thousands)
Interest income recognized		$	1			$	75			$	85			$	153

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		Three Months Ended June 30,
		2017												2016
(Amounts in thousands)		Total Contracts				Pre-modification Recorded Investment				Post-modification Recorded Investment				Total Contracts				Pre-modification Recorded Investment				Post-modification Recorded Investment
Below market interest rate
Single family owner occupied			1			$	241			$	241				-			$	-			$	-
Below market interest rate and extended payment term
Single family owner occupied			5				949				949				1				115				115
Total			6			$	1,190			$	1,190				1			$	115			$	115

		Six Months Ended June 30,
		2017												2016
(Amounts in thousands)		Total Contracts				Pre-modification Recorded Investment				Post-modification Recorded Investment				Total Contracts				Pre-modification Recorded Investment				Post-modification Recorded Investment
Below market interest rate
Single family owner occupied			1			$	241			$	241				-			$	-			$	-
Below market interest rate and extended payment term
Single family owner occupied			5				949				949				1				115				115
Total			6			$	1,190			$	1,190				1			$	115			$	115

Other Real Estate Owned [Table Text Block]

		June 30, 2017				December 31, 2016
(Amounts in thousands)
Non-covered OREO		$	3,914			$	5,109
Covered OREO			124				276
Total OREO		$	4,038			$	5,385
Non-covered OREO secured by residential real estate		$	1,518			$	1,746
Residential real estate loans in the foreclosure process (1)			5,127				2,539

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- Definition

Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5111-111524

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X

- References

No definition available.

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X

- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953682-111524

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